The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$32,427
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,436
−HK$1,025/mo
Today · 4.125%
HK$34,461
baseline
▲ 0.50% · 4.625%
HK$36,558
+HK$2,097/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$68,922/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,075
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,043
−HK$981/mo
Today · 4.125%
HK$38,024
baseline
▲ 0.50% · 4.625%
HK$40,029
+HK$2,005/mo
Deposit HK$7.11M · loan HK$7.11M · min. income ≈ HK$76,048/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$533,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,913
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,123
−HK$1,230/mo
Today · 4.125%
HK$41,353
baseline
▲ 0.50% · 4.625%
HK$43,869
+HK$2,516/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$82,706/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,290
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,451
−HK$1,178/mo
Today · 4.125%
HK$45,629
baseline
▲ 0.50% · 4.625%
HK$48,034
+HK$2,405/mo
Deposit HK$5.69M · loan HK$8.53M · min. income ≈ HK$91,258/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$533,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,398
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,811
−HK$1,434/mo
Today · 4.125%
HK$48,245
baseline
▲ 0.50% · 4.625%
HK$51,181
+HK$2,936/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$96,490/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,505
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,860
−HK$1,374/mo
Today · 4.125%
HK$53,234
baseline
▲ 0.50% · 4.625%
HK$56,040
+HK$2,806/mo
Deposit HK$4.27M · loan HK$9.95M · min. income ≈ HK$106,468/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$533,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,369
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,185
−HK$1,845/mo
Today · 4.125%
HK$62,030
baseline
▲ 0.50% · 4.625%
HK$65,804
+HK$3,774/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$124,060/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,935
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,677
−HK$1,767/mo
Today · 4.125%
HK$68,444
baseline
▲ 0.50% · 4.625%
HK$72,051
+HK$3,607/mo
Deposit HK$1.42M · loan HK$12.80M · min. income ≈ HK$136,888/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$533,287 · Scale 2, in force from 26 Feb 2026)